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Commerce National Bank, Performance and Condition Ratios
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9731% | 2,287 |
| Cost of funding earning assets | 2.4998% | 1,611 |
| Net interest margin | 3.4733% | 4,924 |
| Noninterest income to average assets | 0.1803% | 7,008 |
| Noninterest expense to average assets | 2.0498% | 7,378 |
| Loan and lease loss provision to assets | 1.0566% | 1,615 |
| Net operating income to assets | 0.1387% | 5,453 |
| Return on assets (ROA) | 0.1396% | 5,545 |
| Pretax return on assets | 0.2049% | 5,457 |
| Return on Equity (ROE) | 1.0606% | 5,618 |
| Retained earnings to average equity (ytd only) | 1.0606% | 4,734 |
| Net charge-offs to loans | 0.2674% | 3,858 |
| Credit loss provision to net charge-offs | 453.8051% | 1,025 |
| Earnings coverage of net charge-offs (x) | 5.4126% | 2,839 |
| Efficiency ratio | 58.0860% | 6,855 |
| Assets per employee ($millions) | 8.2968% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 3,257 |
| Loan loss allowance to noncurrent loans | 162.0442% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 5,317 |
| Noncurrent loans to loans | 0.9188% | 5,379 |
| Net loans and leases to total assets | 84.2371% | 602 |
| Net loans and leases to deposits | 111.3002% | 509 |
| Net loans and leases to core deposits | 123.9105% | 2,033 |
| Total domestic deposits to total assets | 75.6846% | 6,620 |
| Equity capital to assets | 13.2529% | 1,581 |
| Core capital (leverage) ratio | 8.7013% | 5,086 |
| Tier 1 risk-based capital ratio | 9.9603% | 6,975 |
| Total risk-based capital ratio | 11.2142% | 6,897 |
| Memoranda: | ||
| Average total assets | $643,368,330 | 1,112 |
| Average earning assets | $579,730,330 | 1,122 |
| Average equity | $84,670,670 | 777 |
| Average total loans | $560,293,670 | 896 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0013% | 2,358 |
| Cost of funding earning assets | 2.5683% | 1,666 |
| Net interest margin | 3.4331% | 5,000 |
| Noninterest income to average assets | 0.1543% | 7,204 |
| Noninterest expense to average assets | 2.0080% | 7,335 |
| Loan and lease loss provision to assets | 0.3971% | 2,945 |
| Net operating income to assets | 0.5551% | 4,201 |
| Return on assets (ROA) | 0.5551% | 4,383 |
| Pretax return on assets | 0.8506% | 3,888 |
| Return on Equity (ROE) | 4.2328% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.2328% | 3,553 |
| Net charge-offs to loans | 0.1022% | 4,154 |
| Credit loss provision to net charge-offs | 442.0690% | 1,193 |
| Earnings coverage of net charge-offs (x) | 13.8897% | 1,711 |
| Efficiency ratio | 57.7926% | 6,733 |
| Assets per employee ($millions) | 7.8511% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 5,696 |
| Loan loss allowance to noncurrent loans | 189.8698% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.5528% | 5,815 |
| Noncurrent loans to loans | 0.5628% | 6,004 |
| Net loans and leases to total assets | 85.9852% | 450 |
| Net loans and leases to deposits | 116.5787% | 370 |
| Net loans and leases to core deposits | 129.6565% | 1,687 |
| Total domestic deposits to total assets | 73.7572% | 6,925 |
| Equity capital to assets | 13.2218% | 1,647 |
| Core capital (leverage) ratio | 8.7244% | 5,112 |
| Tier 1 risk-based capital ratio | 9.8725% | 7,063 |
| Total risk-based capital ratio | 10.9872% | 7,125 |
| Memoranda: | ||
| Average total assets | $645,625,500 | 1,101 |
| Average earning assets | $583,269,500 | 1,119 |
| Average equity | $84,672,500 | 782 |
| Average total loans | $567,298,000 | 877 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8011% | 1,671 |
| Cost of funding earning assets | 3.0046% | 1,852 |
| Net interest margin | 3.7964% | 4,040 |
| Noninterest income to average assets | 0.1044% | 7,613 |
| Noninterest expense to average assets | 2.0683% | 7,304 |
| Loan and lease loss provision to assets | 0.4076% | 3,240 |
| Net operating income to assets | 0.6563% | 4,079 |
| Return on assets (ROA) | 0.6569% | 3,927 |
| Pretax return on assets | 1.0237% | 3,296 |
| Return on Equity (ROE) | 4.8903% | 4,439 |
| Retained earnings to average equity (ytd only) | 3.7442% | 2,805 |
| Net charge-offs to loans | 0.2347% | 3,904 |
| Credit loss provision to net charge-offs | 196.6981% | 2,493 |
| Earnings coverage of net charge-offs (x) | 6.9017% | 3,245 |
| Efficiency ratio | 55.3134% | 7,107 |
| Assets per employee ($millions) | 7.6172% | 540 |
| Cash dividends to net income (ytd only)* | 23.4375% | 4,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 6,385 |
| Loan loss allowance to noncurrent loans | 331.9007% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 6,330 |
| Noncurrent loans to loans | 0.2873% | 6,517 |
| Net loans and leases to total assets | 87.9697% | 372 |
| Net loans and leases to deposits | 116.2116% | 514 |
| Net loans and leases to core deposits | 129.1975% | 1,910 |
| Total domestic deposits to total assets | 75.6979% | 6,304 |
| Equity capital to assets | 13.0084% | 1,782 |
| Core capital (leverage) ratio | 8.5129% | 5,554 |
| Tier 1 risk-based capital ratio | 9.5672% | 7,236 |
| Total risk-based capital ratio | 10.5782% | 7,414 |
| Memoranda: | ||
| Average total assets | $613,776,000 | 1,101 |
| Average earning assets | $548,753,400 | 1,122 |
| Average equity | $82,448,600 | 810 |
| Average total loans | $542,068,600 | 883 |